Cabarrus County property record for 280 Charter Ct SE, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,377 sqft · built 2022 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $498,500 (Jul 2023) |
| Tax Bill | $247 (2023) |
| Deeds & Mortgages | Jul 2023 Transfer Jul 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5630 56 3527 |
| Primary APN | 5630 56 3527 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,377 sqft Living Area |
| Gross Area | 4,131 sqft |
| 1st Floor Area | 1,090 sqft |
| Basement Area | 1,090 sqft |
| Unfinished Basement | 1,090 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Other |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 176 ft deep x 54 ft wide |
| Garage Type | Mixed |
| Garage Area | 420 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 903 sqft |
| Porch | Slab |
| Deck Area | 110 sqft |
| Patio Area | 110 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 96065 |
|---|---|
| Street Address | 280 CHARTER CT SE |
| City | CONCORD |
| State | NC |
| Zip | 28025-2770 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-1 |
| Legal Description | LT 13 PLAT FOR 280 & 284 CHARTER CT |
| Legal Subdivision | WINECOFF HILLS |
| Legal Lot Number | 13 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 12, CONCORD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 42202 |
280 Charter Ct SE is owned and occupied by two individuals who acquired it in December 2024.
Source: Cabarrus County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 280 CHARTER CT SE, CONCORD, NC 28025-2770 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 13, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Jul 13, 2023 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Mar 31, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2023 · Amount on File |
| Deed Sale | Jul 13, 2023 · Amount on File |
| Prior Sale | Mar 31, 2022 · Amount on File |
| Deed Document Number | 202314344 |
| Deed Book / Page | 16568 / 29 |
| Last Transfer Date | Dec 20, 2024 |
| Transfer Doc | 0000006829 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jul 13, 2023 |
| Property Address | 280 CHARTER CT SE, CONCORD, NC 28025-2770 |
| Document Number | 0016567337 |
| Book / Page | 16567 / 337 |
| Map Reference | MB 76 PG 52 |
| Instrument Date | Jul 7, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6549 MOREHEAD RD, HARRISBURG, NC 28075-8492 |
| Name | Verified Name |
|---|---|
| Address | 6549 MOREHEAD RD, HARRISBURG, NC 28075-8492 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jul 13, 2023 |
| Property Address | 280 CHARTER CT SE, CONCORD, NC 28025-2770 |
| Document Number | 0001656829 |
| Book / Page | 16568 / 29 |
| Map Reference | MB 76 PG 52 |
| Instrument Date | Jul 7, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $997.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6549 MOREHEAD RD, HARRISBURG, NC 28075-8492 |
| Name | Verified Name |
|---|---|
| Address | 280 CHARTER CT SE, CONCORD, NC 28025-2770 |
| Document Number | 0165680032 |
|---|---|
| Date | Jul 13, 2023 |
| Instrument | 16568-0032 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.4% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.4% |
| Index | 5-Year CMT |
| Max Rate | 11.4% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Mar 31, 2022 |
| Property Address | 280 CHARTER CT SE, CONCORD, NC 28025-2770 |
| Document Number | 0015940118 |
| Book / Page | 15940 / 118 |
| Map Reference | MB 76 PG 52 |
| Instrument Date | Mar 24, 2022 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 167 CHURCH ST NE, CONCORD, NC 28025-4732 |
| Name | Verified Name |
|---|---|
| Address | 6549 MOREHEAD RD, HARRISBURG, NC 28075-8492 |
| Investor | Possibly a Property Investor |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Concord City |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $478,900 (-) Land $98,000 Building $380,900 | ||
| 2025 | $478,900 Land $98,000 Building $380,900 | ||
| 2024 | $478,900 (+42.61%) Land $98,000 Building $380,900 | ||
| 2023 | $247.00 | $335,810 Land $45,000 Building $290,810 | $335,810 Land $45,000 Building $290,810 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 280 Charter Ct SE in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
Source: FEMA National Flood Hazard Layer, effective July 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Nov 2020 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 280 Charter Ct SE is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CONCORD serves 120,771 people · EPA ID NC0113010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Apr 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 137 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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